Financial Planning

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Texas Mortgage Calculator: Your Guide to Buying A Home in TX

Using a Texas mortgage calculator to help you find and buy a home in Texas can help you make informed decisions from the start. Whether you’re considering the buzzing city […]

A selective focus of Texas and American Flags in front of a house during Independence day in the USA

Using Home Equity to Pay off Consumer Debt

Are you burdened by consumer debt that seems to linger endlessly? Do you dream of a future without the weight of high-interest credit cards and loans? If so, there may […]

May 24, 2023 8 min read
Using Home Equity to Pay off Consumer Debt

Dude, Where’s The Recession You Keep Harping About? Employment Report B.S.

Because rates have been climbing all week, I got an email that asked me where the recession is that I have been “harping about” for the last year… WHY RATES […]

Dude, Where’s The Recession You Keep Harping About Employment Report B.S.

Is the U.S. Dollar Going to Die? Does It Matter?

At some point the U.S. Dollar will likely crash and lose its reserve currency status – sending the entire U.S. economy into a tailspin. Throughout history, the world’s most powerful […]

January 6, 2023 4 min read
Is the U.S. Dollar Going to Die? Does It Matter?

Why DEFLATION Is Now Likely and SO SCARY!

HERE’S WHAT’S SCARY: MY NEIGHBOR WAITING TO BUY HIS MERCEDES! You have no idea how scary that is! My neighbor grew up poor in Boston, played college football at the […]

Why DEFLATION Is Now Likely and SO SCARY!

Is the Airbnb/Short-Term Rental Market Crashing?

My wife Heejin and I were looking at a property in Park City, Utah last year, and the agent explained to us how easy it would be to turn it […]

Is the AirbnbShort-Term Rental Market Crashing

Why EVERYONE Needs A House as an Inflation Hedge Now More Than Ever!

I often blog about reasons to buy a property, as there are many: (1) avoid rising rents with a fixed housing payment; (2) tax advantages; (3) ability to do what […]

Why EVERYONE Needs A House as an Inflation Hedge Now More Than Ever!

The Beauty of BUYDOWNS – To Lower Payments & Save Deals

In Friday’s blog, I explained why ARMs are NOT the solution for payment relief (because ARM rates are so close to 30-year rates) in today’s high-rate world. BUT – there […]

The Beauty of BUYDOWNS – To Lower Payments & Save Deals

Are Home Equity Lines (HELOCs) Still A Thing?

The Prime Rate today is 6.25% – a full 3% higher than where it was last year at this time. Prime Rate is the rate that commercial banks charge their […]

Are Home Equity Lines (HELOCs) Still A Thing?

Why Are Banks Not Paying Higher Rates for Deposits? Why Did Rates Plummet Today Too?

Why Interest Rates Are Rising Everywhere – Except Your Savings Account That was the headline from this recent WSJ article. Back in the 1980s, a general lack of savings in […]

Why Are Banks Not Paying Higher Rates for Deposits Why Did Rates Plummet Today Too

What Rent vs. Buy Analyses MISS! (Huge Esoteric Benefits Of Homeownership)

RISING RATES ALTER CALCULUS OF BUYING VS. RENTING The above headline is a link taken directly from the WSJ. I am blogging about it because rent vs. buy analyses are […]

What Rent vs. Buy Analyses MISS!

Housing As A “Nest Egg” – Why Homeowners Have Far Higher Net Worths

The average net worth of Americans who own homes is $1.1 million. The average net worth of Americans who don’t own homes is about $96,000 – according to this Business […]

Housing As A “Nest Egg” – Why Homeowners Have Far Higher Net Worths

2nd Mortgage vs. HELOC (Home Equity Line); Which Is Better?

Yesterday’s blog, 5 Reasons to Get a HELOC, was inspired by a question from my nephew – as he is a perfect candidate for a HELOC. He is in his […]

2nd Mortgage vs. HELOC (Home Equity Line); Which Is Better

When ALL Assets Are Crashing – Make Sure There Is A “There There”

Pets.com famously spent $46 on advertising for every $10 in sales and flamed out in one of the most famous dotcom busts. The model was flawed from the start, and in hindsight it seems obvious that they could never generate profits – but investors bought up the stock by the bushel anyway.

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